Credit Analyst

Responsibilities:

Credit Application Review & Analysis

• Review and analyze credit applications to ensure accuracy and completeness.
• Assess financial statements, credit history, and other relevant information to determine creditworthiness.

Decision-Making & Loan Approval

• Approve or deny credit applications based on established criteria and company policies.
• Provide sound judgment and risk assessments in decision-making processes.

Loan Monitoring & Portfolio Management

• Conduct regular monitoring of active loans to identify potential risks or defaults.
• Perform timely updates of credit files and records to maintain accuracy.

Client Relationship Management

• Negotiate terms and conditions with clients, ensuring mutually beneficial agreements.
• Provide insights and recommendations on credit policies to customers.

Credit Risk Strategy Development

• Assist in the development and implementation of effective credit risk strategies to minimize exposure.
• Collaborate with other departments to enhance credit-related processes and systems.

Loan Collection & Recovery

• Oversee the collection and recovery of overdue loans while maintaining positive client relationships.
• Implement recovery strategies to minimize financial losses.

Qualifications & Skills:

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
• Proven experience in credit analysis, loan processing, or a similar role.
• Strong analytical skills with the ability to interpret financial data and assess risk.
• Excellent negotiation and communication skills.
• Proficiency in credit analysis tools and financial software.
• Attention to detail and ability to work under pressure.

What We Offer:

• Competitive salary and benefits.
• Opportunities for professional growth and development.
• A collaborative and supportive work environment.